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Help Centre

We're here to help. This is your first port of call whenever you need assistance with using our products and services or even the simplest enquiry.

Help Centre

We're here to help. This is your first port of call whenever you need assistance with using our products and services or even the simplest enquiry.

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Insurance questions

Who does HIA Insurance Services cover?
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HIA Insurance Services provides insurance coverage to a wide range of individuals and businesses. We offer insurance products for individuals and businesses, including but not limited to, home and contents insurance, landlord insurance, car insurance, business insurance, public liability insurance and contractor insurance in Australia. Our policies are designed to meet the unique needs of our clients and provide them with peace of mind in the event of unexpected accidents, damages, or losses.

For businesses, we offer tailored insurance solutions to cover risks associated with running a business, such as property damage, liability, and professional indemnity. We also offer builders insurance for tradies and professionals, including builders, plumbers, electricians, and more.

At HIA Insurance Services, we strive to provide our clients with comprehensive insurance coverage that meets their needs and fits within their budget. As your trusted building insurance broker, we work with a range of reputable insurers to provide our clients with competitive pricing and quality coverage. Contact us today to learn more about our insurance services and how we can help protect you and your assets.

What sort of coverage does HIA Insurance Services cover?
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HIA Insurance Services offers a wide range of industrial insurance coverage to meet the diverse needs of our clients. Our builders insurance products cover various areas, including:

  • Home and Contents Insurance: Protects your home and personal belongings from damage or loss caused by events such as fire, theft, and natural disasters.
  • Landlord Insurance: Provides coverage for landlords, including protection for rental income, loss of rent, and liability for tenants' injuries or damages.
  • Car Insurance: Offers comprehensive, third party, and third party, fire and theft coverage for your car, motorcycle, or caravan.
  • Business Insurance: Offers coverage for businesses, including property damage, business interruption, public liability, and professional indemnity.
  • Public Liability Insurance: Protects you against claims for personal injury or property damage arising from your business activities.
What does builders insurance cover?
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Builders insurance is a type of insurance coverage that provides protection for builders and tradespeople against unexpected losses, damages, or injuries that may occur during the construction or renovation process. Builders insurance can include several types of coverage, such as:

  • Public Liability Insurance: This policy provides coverage for claims of third-party injury or property damage resulting from construction work.
  • Construction Works Insurance: This policy provides coverage for damage to the construction site, building materials, and equipment during the construction process.
  • Contract Works Insurance: This policy provides coverage for the completed works, including the cost of rebuilding or repairing the completed work if damaged during the construction period.
  • Material Damage Insurance: This policy provides coverage for damage or loss to building materials and equipment on the construction site.
  • Personal Accident Insurance: This policy provides coverage for personal injury or accidental death during the construction process.
  • Professional Indemnity Insurance: This policy provides coverage for claims arising from negligence or errors and omissions in professional services provided by builders and tradespeople.
What does tradie and contractor insurance cover in Australia?
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Tradie and contractor insurance provides protection to contractors and tradespeople for their business activities. In Australia, there are several types of insurance products available for tradies and contractors, including:

  • Public Liability Insurance: Building and public liability insurance policies provide coverage for claims of third-party injury or property damage resulting from your business activities.
  • Tools and Equipment Insurance: This policy provides coverage for loss, theft, or damage to your tools and equipment used in your business.
  • Professional Indemnity Insurance: This policy provides coverage for claims arising from negligence or errors and omissions in professional services provided by tradespeople or contractors.
  • Personal Accident Insurance: This policy provides coverage for personal injury or accidental death while working as a tradie or contractor.
  • Commercial Vehicle Insurance: This policy provides coverage for damage or loss to commercial vehicles used in your business.
  • Business Insurance: This policy provides coverage for risks associated with running a business, such as property damage, business interruption, and theft.
 
What does Trade Tool Insurance cover?
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Trade Tool Insurance provides coverage for loss, theft, or damage to your tools and equipment used in your business. This type of industrial insurance is designed to protect tradespeople's livelihoods by ensuring they can continue working in the event of an unexpected loss or damage to their tools. 

As a builders insurance broker, HIA Insurance Services understands the unique risks that tradespeople face on a daily basis. That's why we offer comprehensive trade tool insurance coverage that can include protection for theft, accidental damage, fire and flood damage, transit coverage, and loss or damage to hired equipment. We work closely with a range of reputable insurers to provide our clients with tailored coverage options that meet their specific needs and budget.

Contact us today to learn more about our trade tool insurance and how we can help protect your business.

How does construction insurance work?
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Construction insurance is a type of insurance that protects against losses or damages that may occur during a construction project. It is designed to protect construction professionals, property owners, and other stakeholders involved in the construction process from potential financial losses that could arise from accidents, injuries, or other unforeseen events.

One key benefit of construction insurance is that it can help secure approval to build. Contractors and subcontractors are often required to carry insurance coverage as a condition of their contracts, ensuring that they have the necessary financial resources to cover any losses or damages that may occur during the construction process.

Construction insurance typically covers three main areas: liability, property damage, and workers' compensation. Liability insurance protects against third-party claims for bodily injury or property damage caused by the construction project, while property damage insurance covers damage to the construction site or materials. Workers' compensation insurance provides coverage for injuries or illnesses sustained by workers on the job.

Contractors and subcontractors are typically required to carry construction insurance as a condition of their contracts. This ensures that they have the financial resources to cover any losses or damages that may occur during the construction process. Property owners may also choose to purchase additional insurance coverage to protect their own interests.

In the event of a loss or damage, the party that suffers the loss or damage can file a claim with the insurance company. The insurance company will then investigate the claim and determine the amount of coverage that applies. Once the claim is approved, the insurance company will pay out the appropriate amount to the affected party.
Why might I need Construction Works Insurance?
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If you are involved in a construction project, whether as a property owner, contractor, or subcontractor, you may need Construction Works Insurance to protect yourself and your assets from potential losses or damages that may arise during the course of the project. 

Here are some reasons why you might need Construction Works Insurance:
  • Protection against property damage: Construction Works Insurance can provide coverage for damage to the construction site, materials, and equipment used during the project.
  • Protection against third-party claims: Construction Works Insurance can also provide coverage for third-party claims, including bodily injury or property damage caused by the construction project. This can include claims by neighbouring properties, pedestrians, or other stakeholders who may be affected by the construction work.
  • Legal and contractual requirements: In some cases, Construction Works Insurance may be required by law or contract. For example, in New South Wales, the Home Building Act 1989 requires builders and contractors to hold specific types of insurance, such as home warranty insurance and public liability insurance.
  • Peace of mind: Construction projects can be complex and involve many different stakeholders, which can increase the risk of potential losses or damages. Having Construction Works insurance can provide peace of mind and financial protection against unexpected events.
What are other benefits of Construction Contract Works Insurance?
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  • Comprehensive coverage: Contract Works Insurance is designed to provide comprehensive coverage for loss or damage to the construction project, including materials, equipment, and buildings, as well as third-party liability. This can provide peace of mind and financial protection against unexpected events during the construction project.
  • Flexibility: Contract Works Insurance policies can be tailored to meet the specific needs of the construction project, with coverage options available for different types of projects, contract values, and durations. This flexibility allows you to choose the coverage that best suits your needs and budget.
  • Cost savings: Contract Works Insurance can help you avoid costly repairs or replacement costs resulting from loss or damage to the construction project. This can result in significant cost savings for parties involved in the project.
  • Legal compliance: In some cases, Contract Works Insurance may be required by law or contract. For example, in New South Wales, the Home Building Act 1989 requires builders and contractors to hold specific types of insurance, such as home warranty insurance and public liability insurance.
  • Improved risk management: By having Contract Works Insurance in place, parties involved in the construction project can better manage their risks and minimise the impact of potential losses or damages. This can include implementing risk mitigation measures and ensuring that proper safety protocols are in place.
What else can I cover?
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In addition to standard Construction Works insurance coverage, there are several additional coverage options that you may consider for added protection during a construction project. This may include:
  • Professional indemnity insurance: This type of insurance for construction covers you against claims made by third parties for financial loss or damage resulting from professional advice or services that you provided. It can be especially important for architects, engineers, and other professionals involved in a construction project.
  • Environmental liability insurance: If your construction project involves activities that could cause environmental harm, such as excavation or demolition, you may want to consider environmental liability insurance. This can provide coverage for cleanup costs and damages resulting from pollution or other environmental harm.
  • Cyber insurance: If you store sensitive data related to the construction project, such as financial records or personal information, you may want to consider cyber insurance. This can provide coverage for losses resulting from cyberattacks, data breaches, or other digital threats.
  • Delay in start-up insurance: This type of builders insurance provides coverage for financial losses resulting from delays in the start of the construction project due to unforeseen events, such as labour strikes, natural disasters, or supply chain disruptions.
  • Equipment breakdown insurance: If you rely on heavy machinery and equipment for the construction project, you may want to consider equipment breakdown insurance or tool insurance. This can provide coverage for repair or replacement costs in the event of equipment failure or breakdown.
  • QBCC insurance: This contractors and builders insurance is required in Queensland, Australia. It is specifically required for those involved in domestic building projects. QBCC insurance provides protection to homeowners against incomplete or defective work, as well as protection for builders against non-payment or financial loss due to insolvency or bankruptcy. 
When is QBCC insurance required? Do all licensed builders have QBCC insurance?
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QBCC insurance is required in Queensland for certain types of building work. The type of insurance required depends on the value and type of work being carried out.

In general, QBCC insurance is required for residential construction work valued at over $3,300. This includes new builds, renovations, extensions, and structural work. QBCC insurance provides protection for homeowners in the event that the builder is unable to complete the work or meet their obligations under the contract due to insolvency, death, or disappearance.

In the state of Queensland, all licensed builders are required to have insurance with the Queensland Building and Construction Commission (QBCC) as a condition of their licence. QBCC insurance is also known as home warranty insurance or domestic building insurance. This insurance provides cover for homeowners in the event that their builder fails to complete the building work or if the work is defective, and the builder is unable or unwilling to rectify the issues.
What is the definition of insurable residential construction work?
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Insurable residential construction work typically refers to the building or renovation of a residential property, including homes, townhouses, and apartments, that is covered by insurance.

In the state of Queensland, insurable residential construction work is defined by the QBCC as building work that is:

  • Domestic in nature: This means the work is intended for use as a residence or dwelling, including any attached structures such as garages or carports.
  • Structural in nature: The work involves the load-bearing components of a building, such as the foundation, walls, roof, and structural elements.
  • Regulated building work: The work is regulated by the QBCC. A licence is required for it to be carried out.

Examples of insurable residential construction work may include:

  • Building a new home or townhouse
  • Renovating or extending an existing home
  • Repairing or replacing a roof
  • Installing or replacing windows or doors
  • Building a garage or carport
  • Building a swimming pool or outdoor entertainment area.
What does QBCC insurance cover?
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QBCC insurance provides protection for homeowners in the event that their builder fails to complete the building work or if the work is defective, and the builder is unable or unwilling to rectify the issues. It’s important to note that this insurance only covers building work that is regulated by the QBCC and is within the scope of the builder’s licence. It does not cover defects or damages caused by factors outside of the builder’s control, such as natural disasters or owner negligence.

Specifically, the QBCC insurance covers the following:

  • Non-completion of building work: If the builder is unable to complete the building work due to insolvency, death, disappearance, or suspension of their licence, QBCC insurance covers the cost to complete the work up to a certain amount.
  • Defective building work: QBCC insurance provides coverage for defects in the building work that the builder has failed to rectify, up to a certain amount. This includes defects in the structural components of the building, such as the foundation, walls, and roof.
  • Structural defects: QBCC insurance also covers the cost to rectify structural defects in the building work that occur within a certain period after the completion of the work. This period varies depending on the type of building work and ranges from six years for structural elements to two years for non-structural elements.
What does QBCC insurance exclude?
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There are certain exclusions to what QBCC home warranty insurance covers, including:
  • Non-structural defects: QBCC insurance does not cover non-structural defects in the building work, such as cosmetic issues or defects in non-essential items like cabinetry or fixtures.
  • Damage caused by the owner or their agents: QBCC insurance does not cover defects or damages caused by the owner or their agents, such as damage resulting from owner modifications or failure to maintain the building properly.
  • Natural disasters or other events outside the builder's control: QBCC insurance does not cover defects or damages caused by events outside the builder's control, such as natural disasters, fire, or theft.
  • Commercial building work: QBCC insurance only covers residential building work and does not cover commercial building work.
  • Work performed by unlicensed or unapproved persons: QBCC insurance does not cover work performed by unlicensed or unapproved persons, such as subcontractors or tradespeople who are not authorised to perform the work.
Is there optional additional cover?
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Yes. While QBCC insurance provides basic protection for homeowners against builder insolvency and defective work, homeowners may choose to purchase additional construction works insurance to cover specific risks or to increase the level of protection provided. It's important to note that these additional covers are not mandatory and the cost of the insurance will vary depending on the level of coverage selected. 

Some examples of optional additional cover available for QBCC insurance in Queensland include:
  • Construction Works Insurance: This provides coverage for loss or damage to the building work during the construction period, such as damage caused by fire, flood, or theft.
  • Public Liability Insurance: This provides coverage for any claims made against the homeowner for injury or property damage caused by the building work or its contractors.
  • Home and Contents Insurance: This provides coverage for loss or damage to the homeowner's personal property, as well as any fixtures or fittings installed as part of the building work.
Do I need QBCC Insurance Cover?
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If you're completing work with approval to build and/or want to cover yourself, it’s in your best interest! If you're not sure, have questions about QBCC insurance requirements, or anything else, get in contact either by contacting a Workplace Adviser on 1300 650 620 or HIA Insurance Services on 1800 762 878.
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